The Research On Credit Risk Management Of Small And Micro Enterprises-

Small and micro enterprises(SME),which are the important foundations in national power development and social development,play an important role in Chinese economy.However,compared with large enterprises and state-owned enterprises,small and micro enterprises have many problems in terms of management methods,financial systems.Recent years,affected by the state policy,all the financial institutions have intensified efforts to SME credit business.However,because of the potential risks in SMEs'operation,the original risk management measures are difficult to keep pace with the development of SMEs.So the optimization of risk management process is urgently needed for financial institutions in order to further reduce the related risk.This paper focuses on the SMEs credit risk management in L Bank W branch.At the beginning part,the paper introduces the current situation of the SMEs development and also explains the basic profile of W branch.The writer investigates the SMEs credit risk management of W branch through on-site interview method.Through the data analysis,it is found that the total amount and the rate of non-performing loans of SMEs in W Branch have both increased year by year.After further analysis,it is also found that W branch has many problems in the aspect of customer rating,non-financial indicators distribution,different periods of loan-management and employee quality.In response to these problems,the writer proposes some related measures and suggestions on improving the risk management process for SME credit loans.Specifically,the writer firstly takes expert scoring method and fuzzy analytical hierarch process to construct the rating system of small and micro credit business of W branch case.The analysis of the evaluation result proves the rationality of the new rating system.Secondly,the writer put forward the measures of dynamic management control in the post-loan process,which specifically adds dynamic early-warining system and monitoring system and also enhances the risk management in the whole period of SEM credit and loan business.Finally,the research suggested to strengthen the team construction of SEM credit and loan business and improve the staff assets from the 4 following aspects:job division,entry and exit permission,professional ability and professional ethics.The paper also evaluates the optimization suggestions put forward in the paper and compares the results before and after the optimization measures were taken to illustrate the comprehensiveness and effectiveness of the risk management process of SEM credits and loan business.This research helps improve the ability of SME risk management control of L bank W branch and also provides some references and lessons in the area of credit risk management for SMEs for the commercial banks in small and medium-sized cities,agricultural and commercial banks and other small and medium-sized financial institutions.